The Research Of Insurance Agent System In China

As the development of China’s insurance industry is the main factor, along with our country insurance industry high speed development, personal insurance agent system’s development has attracted wide attention of domestic industry, there are also many experts and scholars to carry out analysis and research, analysis of the main problems include:1.The confirmation of the legal status of insurance agentA kind of viewpoint thinks, based on the particularity of insurance business, insurance、agency in nature, and is not a simple civil act, more accurate positioning should be:between client and employment relations between.Another kind of viewpoint thinks, form of insurance agent is a kind of civil law in the principal-agent relationship, but in essence, as the agent of meaning representation limitations, insurance agent insurance business is more like a way.2.Insurance agent system defectsPersonal insurance agent system in our country rely more on Western experience and Chinese actual situation, the combination has a lot of defects and deficiencies. Among them, generally refer to view include:the agent team whole quality is low; the commission system is unreasonable; agent high dropping rate leads to insurance company experience costs etc..This article aims to analyze the Chinese agent system the present situation and the characteristic, find out the system is not perfect in. China insurance industry health development brings to restrict, with Europe and the United States the experience of the developed country, put forward to regulate the insurance agent system in China suggestions.The main point of this paper is:individual insurance agent is a non-profit and independent agent behavior. In our system the standard should be taken into full consideration of these two characteristics. On one hand should lay stress on the equivalence of right and duty; on one hand to prevent because interest due to the moral risk.In the access rules, the respect such as behavior standard should fully take into account the relevant content. The individual agent system can be more healthy development.